Preparing your business to accept American Express Cards couldn't be simpler

Ecommerce

Working with you to understand your business requirements so you can
start accepting American Express Cards across multiple channels including Website,
Mobile App, Interactive voice response (IVR), Mail Order/Telephone Order (MOTO), and
Kiosk.

Ease of integration

After the Merchant Agreement form has been signed, we will inform your
payment gateway provider or acquiring bank to configure American Express.

Point of Sale Terminal

Welcoming American Express Card on your point of sale terminal is easy; once the
merchant agreement form is signed. We will inform your point of sale terminal
provider to configure your existing terminal; so you should be ready to accept our
Cards.

If your point of sale terminal has changed or if you have changed your banking
relationship, please notify your American Express Merchant Relationship Manager to
re-configure your terminal.

SafeKey

As online shopping grows increasingly prevalent, so do concerns about fraudulent
transactions. Online fraud can affect your business in a number of ways, such as
lost sales, harm to your brand, and liability for fraud costs.

Our objective is to detect and reduce online fraud by adding an extra layer of
security when Cardmembers shop online. American Express SafeKey® is an online fraud
prevention solution designed to help protect Merchants and Cardmembers using
existing 3-D Secure® technology.

Understand our unique Card security features

You might take card payments from customers in a number ways: in person, online, over the phone or
by mail order.

It's important that you and your employees can recognise an American Express Card when presented
with one. Even though there are several different types of Card, each one has the following security
features:

Card account numbers begin with "34" or "37" and consist of 15 digits in a four-six-five
formation. The digits are embossed.

Card Identifier Digits (CID) is a four-digit security code printed on the front of the Card,
above the account number.

Follow the correct procedures for accepting the Card

For all In Person Charges, the Card must be presented and you must follow the Card acceptance steps
outlined in your Terms and Conditions for Card Acceptance; and obtain an authorisation.

You must not accept a Card that is visibly altered or damaged, or presented by anyone other than the
Card member (Cards are not transferable), and if a transaction is declined, you must notify the Card
member immediately.

If you do business online, over the phone or by mail order, you can find procedures for Card Not
Present Charges in your Terms and Conditions for Card Acceptance.

Get paid after you have submitted a transaction

The number of working days before you receive payment will depend on your individual payment plan.
Please refer to your Terms and Conditions for Card Acceptance for details. To avoid any delay in
receiving your payment, you should follow these guidelines:

Transactions submitted after 9pm will be processed on the following working day

Transactions submitted on non-working days such as Bank Holidays or weekends will be processed
on the next working day. Please remember to exclude Bank Holidays and weekends when calculating
when you expect to receive your payment

If your point of sale terminal requires manual reconciliation, please ensure this is completed
correctly otherwise payment may be subject to delay

If you use a third party submission processor and have experienced an unexpected delay in
receiving your payment, please check with your processor prior to contacting American Express.
Any delay associated with your processor may impact when you receive your payment.

Reconcile transactions and your payments

The easiest way to do this is by managing your merchant account online and get notifications when
your e-statement is ready to be viewed, however we understand that some merchants prefer to receive
paper copies of their statements instead.

Your statement will show the transactions you have submitted to us and the payments we have
processed directly into your designated bank account.

Just to remind you, the Discount Rate is the amount we charge your business for accepting the Card
which is a which is a percentage of the face amount of the transaction on the Card. This is applied
to all payments or purchases made using an American Express Card.

Your Discount Rate can be found in the application form accompanying your Terms and Conditions for
Card Acceptance, or alternatively in your agreement confirmation letter where applicable. If you've
registered your merchant account online, you'll find your Discount Rate is shown here, and also on
paper statements too.

Test your terminal

Before your first transaction, test your terminal to make sure it's working properly and you're able
to accept American Express Cards.

You will need to complete a test transaction, however this won't affect your end of day
reconciliation and we won't credit or debit the amount that you enter.

We have instructions for a range of terminals. Simply locate the one you need, download the PDF, go
to the "test transaction" section and follow the steps. If the test transaction doesn't work you
will need to complete the earlier step(s) shown in the guide.

If your terminal isn't listed here or if you need any further help, please call us on 0800 032
7216

In order to view PDF documents, you will need to have the free Adobe Acrobat Reader software
installed on your computer, tablet or mobile device.